BELCENTEX
ActiveThe computed 12-month bankruptcy probability of BELCENTEX is 4.9% (elevated). The 2025 annual accounts show equity of €2k and a net result of €460. Equity is growing by ~35.6% per year across the filed fiscal years. Its solvency ranks better than 71% of 17964 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
85
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth85▲+7
Stability94
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
17 d late
2024
7 d early
2023
11 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€2k▲ 59.8%
2024 · €1k
2024: €1k
2024 → 2025
EBIT margin
43.2%▼ 26.5pp
2024 · 69.7%
2024: 69.7%
2024 → 2025
Net result
€460▼ 45.5%
2024 · €843
2023: €-11
2024: €843
2023 → 2025
Working capital
€2k▲ 25.1%
2024 · €2k
2024: €2k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€1k€2k▲ 59.8%
Equity€989-€2k▲ 85.3%€2k▲ 25.1%
Operating result€930€921▼ 1.0%
Net result€-11-€843€460▼ 45.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €4k
Equity
€2k▲ 25.1%
Debt
€2k▲ 453%
The debt ratio rises from 13.3% to 40.3%: debt grows faster than equity.
Key figures and ratios
Debt
€2k▲
2024 · €280
Debt ≤ 1 year
€2k▲
2024 · €280
Income taxes
€166
Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2k€4k▲
Current assets29/58€2k€4k▲
Amounts receivable within one year40/41€74€201▲
Other amounts receivable41€74€201▲
Cash at bank and in hand54/58€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€2k€4k▲
Equity10/15€2k€2k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€832€1k▲
Amounts payable17/49€280€2k▲
Amounts payable within one year42/48€280€2k▲
Taxes, remuneration and social security45€280-
Taxes450/3€280-
Other amounts payable47/48-€2k
Income statement
Code20242025
Turnover70€1k€2k▲
Goods, raw materials, services and sundry goods60/61€17€231▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€387€980▲
Gross operating margin9900€1k€2k▲
Operating profit (loss)9901€930€921▼
Financial charges65/66B€86€294▲
Recurring financial charges65€86€110▲
Non-recurring financial charges66B-€184
Profit (loss) for the period before taxes9903€843€626▼
Income taxes67/77-€166
Profit (loss) for the period9904€843€460▼
Profit (loss) for the period to be appropriated9905€843€460▼
Appropriation of the result
Profit (loss) to be appropriated9906€832€1k▲
Profit (loss) brought forward from the previous period14P€-11€832▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €843
Net result €843 after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schaarbeek · 2 establishment units since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Josaphatstraat 591030 SchaarbeekGround area
408 m²
Building footprint
227 m²
Volume, LiDAR
2,965 m³
2 parcels, Brussels · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
BELCENTEX
since 20222.384.544.070
BELCENTEX
since 20242.359.303.581
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0351/00B009 | Brussels | 226 m² | 1 · 121 m² | 16.8 m · 5 fl. |
| 21906D0114/00R010 | Brussels | 182 m² | 1 · 106 m² | 19.9 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 1022.990.110
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BE 0432.029.189
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JULIJA
BE 0817.429.193
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MAXELL GROUP
BE 0870.103.064
Elsene · Eq €3k
Peos
BE 0407.107.515
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Of 1,268 companies in sector 47512 we hold annual accounts for 579. 98 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2022
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
47513Retail trade
47714Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.